North India Statesman
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Just before the festive season begins, the eyes of crores of people of the country were fixed on a major decision of the government, which are engaged in small savings schemes like Public Provident Fund (PPF), Sukanya Samriddhi Yojana, Kisan Vikas Patra (KVP) and National Savings Certificate (NSC).
Every three months the government reviews the interest rates of these schemes, and today the new rates for the October-December 2025 quarter have been announced.
So is interest on your savings increased or decreased this time?
The news for you is that the government for this quarter No change in interest rates Has decided to do. This means that you will continue to get the same interest on these schemes which were getting in the last quarter (July-September).
This is a mixed news for those who were expecting an increase in interest rates. However, it is a matter of relief that no cuts have been made in rates, which will not reduce your profits.
Let us know how much interest will be available on which scheme now (from October to December 2025):
- Public Provident Fund (PPF): 7.1% (no change)
- Sukanya Samriddhi Yojana (SSY): 8.2% (no change)
- National Savings Certificate (NSC): 7.7% (no change)
- Kisan Vikas Patra (KVP): 7.5% (no change)
- Senior Citizen Savings Scheme (SCSS): 8.2% (no change)
- Monthly Income Plan (MIS): 7.4% (no change)
- 5 years recurring deposit (rd): 6.7% (no change)
- Time Deposit of 1 to 5 years (TD): 6.9% to 7.5% (no change)
Why did the government not increase interest rates?
It is believed that the government has decided to keep these rates stable in view of inflation rate and overall economic condition. This step ensures that the common man gets a stable and safe return on his savings, without any major ups and downs.
So, if your money is also in these schemes, then you can be sure that your earnings will not be affected for the next three months.
